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Renting · Section 8

Data from November 2026

Renting in Berrien County, Michigan

Berrien County has a HUD fair market rent of $1,152 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $942 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $22.15 an hour, full time.

Four numbers to start with

Fair market rent, 2 bedrooms
$1,152
a month, HUD, Fiscal year 2027
15% less than in Michigan
Typical rent
$942
a month, Census, Average 2020–2024
17% less than in Michigan
Wage needed
$22.15
an hour, 2 bedrooms
Or $46,080 a year, to spend no more than 30% of income on rent.
Rent-burdened households
50%
spend 30% or more of income on rent
1% less than in Michigan

Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD) (external site) Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates (external site)

Fair market rent

What HUD sets for each size

Every year HUD (the U.S. Department of Housing and Urban Development) publishes a Fair Market Rent (FMR) for each home size in Berrien County. It is used to work out how much a Section 8 voucher covers. The table shows what you need to earn to pay it without spending more than 30% of income.

The fair market rent covers rent plus basic utilities, except the phone. HUD generally sets it at the 40th percentile: 4 in 10 standard-quality homes rented recently cost less. 24 CFR §888.113(a)

According to Zillow (ZORI), the typical asking rent in Berrien County was $1,403 a month in September 2026: 4.4% more than 12 months ago. It is an index of market listings, not a HUD limit. Zillow data

Fair market rent and wage needed To pay the fair market rent without spending more than 30% of income, working full time (40 hours a week).
Fair market rent and wage needed. To pay the fair market rent without spending more than 30% of income, working full time (40 hours a week).
Size Fair rent per month Hourly wage Income needed per year
Studio $802 $15.42 $32,080
1 bedroom $887 $17.06 $35,480
2 bedrooms $1,152 $22.15 $46,080
3 bedrooms $1,512 $29.08 $60,480
4 bedrooms $1,514 $29.12 $60,560

HUD area: Niles, MI MSA. Source: HUD, Fiscal year 2027

By ZIP code

The fair market rent for your ZIP code

HUD also publishes fair market rents by ZIP code (Small Area FMRs) for 29 ZIP codes in Berrien County (Fiscal year 2027). Type yours to see it.

For 2 bedrooms they run from $1,070 in 49107 to $1,450 in 49098. 12 ZIP codes are above the county's fair market rent ($1,152).

Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses. 24 CFR §982.503(a)(1)

Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) (external site)

Rent burden

How many households spend too much

HUD counts rent as a burden when it reaches 30% of income or more. In Berrien County, 50% of renter households are in that position; in Michigan, 50%, and nationwide, 51% (Average 2020–2024, Census).

Paying too much rent leaves little for food, transportation and savings. If that is you, the agencies below can guide you for free.

50%

of renter households spend 30% or more of their income on rent.

17,388 households rent in Berrien County

  • Spend half or more of their income 27%
  • Spend 30% or more, but less than half 23%
  • Spend less than 30% 50%

Compared with the state and the country

  • Berrien 50%
  • Michigan 50%
  • United States 51%

Low-income apartments

Low-income apartments in Berrien County

HUD lists 45 properties with homes for low-income households in Berrien County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest.

with tax credits (LIHTC)
26
HUD-assisted
15
public housing
8

4,242 homes in all; 3,530 of them low-income, according to HUD.

  • Blossom Acres Public housing 1100 Circle Dr, Benton Harbor 49022 300 low-income homes · Run by Benton Township Housing Commission · Average payment: $354 a month · Average wait: 57 months · (269) 927-3541
  • River Terrace HUD-assisted 261 River Terrace Dr, Benton Harbor 49022 270 low-income homes · For families · (269) 926-1900
  • Gateway Plaza Public housing 251 Cass St, Niles 49120 180 homes, 179 low-income · Run by Niles Housing Commission · Average payment: $368 a month · Average wait: 22 months · (269) 683-2783
  • Berrien Homes Tax credit (LIHTC) · HUD-assisted 1901 Council Dr, Benton Harbor 49022 160 low-income homes · 1 bd: 15 · 2 bd: 45 · 3 bd: 60 · 4 bd: 40 · In service since 2017 · For families · (269) 927-3548
  • Benton Manor Cooperative I HUD-assisted 144 Collins Ave, Benton Harbor 49022 150 low-income homes · For families · (269) 925-8761
  • Harbor Towers Public housing 250 E Wall St, Benton Harbor 49022 141 low-income homes · Run by Benton Harbor Housing Commission · Average payment: $433 a month · Average wait: 43 months · (269) 927-3546
  • Cogic Village (benton Harbor) Tax credit (LIHTC) 1956 Territorial Rd, Benton Harbor 49022 136 low-income homes · 1 bd: 24 · 2 bd: 72 · 3 bd: 40 · In service since 1999
  • Buss Avenue Public housing 975 Buss Ave, Benton Harbor 49022 135 low-income homes · Run by Benton Harbor Housing Commission · Average payment: $590 a month · Average wait: 37 months · (269) 927-3546
  • Countryview Phase I Apts & Tower Tax credit (LIHTC) 1946 E Britain Ave, Benton Harbor 49022 110 low-income homes · 1 bd: 53 · 2 bd: 57 · In service since 2001
  • Lake View Terrace Public housing 601 Port St, Saint Joseph 49085 107 low-income homes · Run by Saint Joseph Housing Commission · Average payment: $420 a month · Average wait: 18 months · (269) 983-2814
  • Lake Pines Apartments HUD-assisted 2665 Lake Pine Dr, Saint Joseph 49085 156 homes, 93 low-income · For families · (269) 429-2282
  • Countryview Phase II Apts & Tower Tax credit (LIHTC) 1946 E Britain Ave, Benton Harbor 49022 88 low-income homes · 1 bd: 16 · 2 bd: 48 · 3 bd: 24 · In service since 2001
  • Four Flags Plaza Apartments Tax credit (LIHTC) · HUD-assisted 17 N 7th St, Niles 49120 88 low-income homes · 1 bd: 88 · In service since 2019 · For older adults · (616) 684-2246
  • Harbor Pointe Apts Phase I (benton Charter Twp) Tax credit (LIHTC) 1981 Plaza Dr, Benton Harbor 49022 84 low-income homes · 1 bd: 18 · 2 bd: 66 · In service since 2000
  • Harbor City Flats (aka Hayward Wells) Tax credit (LIHTC) 604 8th St, Benton Harbor 49022 81 low-income homes · 1 bd: 16 · 2 bd: 49 · 3 bd: 16 · In service since 2018 · For families
  • Metea Court Tax credit (LIHTC) 809 Rynearson St, Buchanan 49107 100 homes, 80 low-income · 1 bd: 68 · 2 bd: 32 · In service since 2017 · For older adults
  • Parkview Apartments (NILES) Tax credit (LIHTC) 613 N Front St, Niles 49120 80 low-income homes · 1 bd: 26 · 2 bd: 45 · 3 bd: 9 · In service since 2016
  • Hayward-Wells Estates Tax credit (LIHTC) 604 8th St, Benton Harbor 49022 80 homes, 79 low-income · 1 bd: 16 · 2 bd: 48 · 3 bd: 16 · In service since 1996
  • Berrien Woods Phase III Tax credit (LIHTC) 1402 Woods Edge Dr, Niles 49120 128 homes, 77 low-income · 1 bd: 56 · 2 bd: 56 · 3 bd: 16 · In service since 2002 · For families
  • Parkview Apts (NILES) Tax credit (LIHTC) 613 N Front St, Niles 49120 80 homes, 73 low-income · 1 bd: 26 · 2 bd: 45 · 3 bd: 9 · In service since 1998
  • Berrien Woods Phase I Tax credit (LIHTC) 950 Woods Edge Dr, Niles 49120 72 low-income homes · 1 bd: 32 · 2 bd: 32 · 3 bd: 8 · In service since 1999
  • Harbor Pointe Apts Phase II Tax credit (LIHTC) 1982 Plaza Dr, Benton Harbor 49022 72 low-income homes · 1 bd: 18 · 2 bd: 54 · In service since 2003 · For older adults
  • Thurgood Marshall Homes Tax credit (LIHTC) 1131 Columbus Ave, Benton Harbor 49022 72 low-income homes · 1 bd: 9 · 2 bd: 20 · 3 bd: 35 · 4 bd: 8 · In service since 2008 · For families
  • Country View Apartments III HUD-assisted 1946 E Britain Ave, Benton Harbor 49022 198 homes, 71 low-income · For families · (269) 926-8068
  • Benton Harbor Hope Vi - Phase II Tax credit (LIHTC) · Public housing 346 Broadway, Benton Harbor 49022 70 low-income homes · 3 bd: 40 · 4 bd: 30 · In service since 2007 · Run by Benton Harbor Housing Commission · Average payment: $617 a month · Average wait: 3 months · Homes at several sites · (269) 927-3546
  • Berrien Woods Phase II Tax credit (LIHTC) 980 Woods Edge Dr, Niles 49120 56 low-income homes · 1 bd: 16 · 2 bd: 32 · 3 bd: 8 · In service since 1999
  • Tri City Village Tax credit (LIHTC) · HUD-assisted 541 N Main St, Watervliet 49098 56 low-income homes · 1 bd: 50 · 2 bd: 6 · In service since 2006 · For older adults · (269) 463-4543
  • Berkshire Niles Tax credit (LIHTC) 10 N 3rd St, Niles 49120 53 low-income homes · 1 bd: 35 · 2 bd: 18 · In service since 2019 · For older adults
  • Briar Crest I HUD-assisted 680 Platt St, Niles 49120 53 low-income homes · For families · (269) 684-2461
  • Vineyards HUD-assisted 3355 S Lakeshore Dr, Saint Joseph 49085 51 low-income homes · For older adults · (269) 429-7522
  • Mill Pond Apts HUD-assisted 800 E Smith St, Buchanan 49107 50 low-income homes · For older adults · (269) 695-0475
  • Briar Crest II HUD-assisted 680 Platt St, Niles 49120 49 low-income homes · For families · (269) 684-2461
  • Brunson Hill Homes Tax credit (LIHTC) 272 Brunson Ave, Benton Harbor 49022 48 low-income homes · 4 bd: 48 · In service since 2004 · For people with disabilities, families
  • Waterford Park Apts Tax credit (LIHTC) 4089 Medical Park Dr, Watervliet 49098 48 homes, 47 low-income · 1 bd: 40 · 2 bd: 8 · In service since 2006 · For older adults
  • E. Rayford Senior Housing HUD-assisted 1961 E Empire Ave, Benton Harbor 49022 46 low-income homes · For older adults · (269) 926-2363
  • Adkins Village Apartments HUD-assisted 423 Donald Adkins Dr, Benton Harbor 49022 45 homes, 44 low-income · For older adults · (269) 927-2562
  • Meetinghouse at Fidelity Tax credit (LIHTC) 162 Pipestone St, Benton Harbor 49022 31 low-income homes · 1 bd: 4 · 3 bd: 27 · In service since 2004 · For older adults
  • Main Street Apartments Tax credit (LIHTC) 9038 N Main St, Berrien Springs 49103 24 low-income homes · 1 bd: 4 · 2 bd: 12 · 3 bd: 8 · In service since 2015
  • Harbor Bluff - Phase A Public housing 717 Harbor Bluff Ct, Benton Harbor 49022 16 low-income homes · Run by Benton Harbor Housing Commission · Average payment: $299 a month · (269) 927-3546
  • Golden Eagle Estates Tax credit (LIHTC) 815 Columbus Ave, Benton Harbor 49022 12 low-income homes · 2 bd: 7 · 3 bd: 5 · In service since 2006 · For families
  • Niles Post Office Apartments HUD-assisted 322 E Main St, Niles 49120 54 homes, 10 low-income · (269) 684-3400
  • Harbor City Flats HUD-assisted 604 8th St, Benton Harbor 49022 73 homes, 8 low-income · (269) 925-6724
  • Harbor Bluff - Phase B Public housing 678 Harbor Bluff Ct, Benton Harbor 49022 36 homes, 8 low-income · Run by Benton Harbor Housing Commission · (269) 927-3546
  • River Terrace Tax credit (LIHTC) 300 River Terrace Dr, Benton Harbor 49022 264 homes
  • Cobblestone Village Apts Tax credit (LIHTC) 8788 Cobblestone Rd, Watervliet 49098 39 homes

4 properties have two programs at the same address and appear once. Search HUD's map

Source: HUD, retrieved November 6, 2026. LIHTC database, updated May 14, 2025; Assisted multifamily properties, updated October 23, 2026; Public housing developments, updated October 23, 2026.

Section 8

The Section 8 voucher in Berrien County

The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 4 agencies serve in Berrien County. Here is what the rules say:

The rules, with their source

  1. You apply at the public housing agency. If you qualify, your name usually goes on a waiting list. Applicants must be U.S. citizens or noncitizens with eligible status as HUD defines it. Source: HUD

  2. Generally, your family must have very low income: no more than 50% of the area median income, by family size (the middle column of the table). Source: 24 CFR §5.603, §982.201(b)

  3. Each year, at least 75% of the families an agency admits from its list must have extremely low income (the 30% column). Source: 24 CFR §982.201(b)(2)

  4. If the rent is below the payment standard, the family generally pays 30% of its adjusted monthly income. If it is above, the family pays more. Source: 24 CFR §982.1(a)(3)

  5. When you move in, if the rent is above the payment standard, your share cannot go over 40% of your adjusted monthly income. Source: 24 CFR §982.508

  6. Each agency sets a payment standard for each size. Without asking HUD, it can go from 90% to 110% of the fair market rent. Source: 24 CFR §982.503(b), (c)

Mixed-status families: how assistance is figured
HUD income limits Yearly income of the whole family, before taxes.
HUD income limits by family size, Fiscal year 2026. Area: Niles, MI MSA.
People Extremely low (30%) Very low (50%) Low
1 person $19,400 $32,300 $51,650
2 people $22,150 $36,900 $59,000
3 people $27,320 $41,500 $66,400
4 people $33,000 $46,100 $73,750
5 people $38,680 $49,800 $79,650
6 people $44,360 $53,500 $85,550
7 people $50,040 $57,200 $91,450
8 people $55,720 $60,900 $97,350

Area median income: $92,200. HUD income limits by family size, Fiscal year 2026. Area: Niles, MI MSA. Source: HUD, Fiscal year 2026

How much can you earn? Check your case

Possible payment standard

  • Studio $722 – $882
  • 1 bedroom $798 – $976
  • 2 bedrooms $1,037 – $1,267
  • 3 bedrooms $1,361 – $1,663
  • 4 bedrooms $1,363 – $1,665

The range the rule allows: 90% to 110% of the county's fair market rent. Your agency publishes its own.

Housing agencies that serve this place

Housing agencies in Michigan Source: HUD, Retrieved November 6, 2026

Your rights as a tenant in Michigan

What Michigan law says about deposits, notices and eviction, with the citation for each rule.

See your rights, rule by rule

Compare these rules with other states →

A summary of state law, not legal advice. Cities may have additional rules.

How much can they charge for a deposit?
Up to 1.5 months of rent
MCL 554.602
When must they return my deposit?
30 days
MCL 554.609(1)
If I fall behind on rent, what notice must I get?
7 days
MCL 554.134(2)
  • Only a court order can remove youMCL 600.2918(2)
  • Protection from retaliationMCL 600.5720(1)

Help

Where to get help with rent in Berrien County

HUD lists no counseling agencies near in Berrien County. Free legal aid and your housing agency can guide you.

Tool

How much cash do you need to move in?

It starts with the 2-bedroom fair market rent in Berrien County. Change the rent, the deposit and the fees to yours: the numbers stay in your browser.

Count power on top of the rent: in Michigan, the average home bill was $119 a month in 2024 (EIA). See electricity and gas costs

Your move

We use the place's fair market rent and the state's deposit rule.

Adjust advanced details
Deposit and rent in advance
The deposit, in

Let's do the math

Cash to move in

$2,304

What you need before you get the keys.

What adds up

First month
$1,152
Security deposit
$1,152
Total
$2,304

The deposit cap

Pick your state to see whether its law caps the deposit.

Compare each state's rules →

When you'll have it

Enter what you can set aside each month to see how long it takes.

What helps

  • Ask for a receipt for every payment and keep a copy of the lease.
  • On move-in day, walk through the home and take dated photos.
  • Never send money for a home you haven't seen or a lease you haven't read.

This is a planning estimate, not a price. What you are asked for depends on the landlord, your lease and your state's and city's rules. It is not legal advice.

Guides

Before you sign

Frequently asked questions

What is the fair market rent in Berrien County?

According to HUD (Fiscal year 2027): Studio: $802; 1 bedroom: $887; 2 bedrooms: $1,152; 3 bedrooms: $1,512; 4 bedrooms: $1,514. It covers rent plus basic utilities, except the phone.

How much do you need to earn to rent in Berrien County?

Paying the 2-bedroom fair market rent ($1,152) without spending more than 30% of income takes $22.15 an hour full time, or $46,080 a year.

Who qualifies for Section 8 in Berrien County?

Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $46,100 a year (Fiscal year 2026). The family usually pays 30% of its adjusted monthly income. You apply at the housing agency.

How much does Section 8 pay in Berrien County?

The voucher pays up to your housing agency's payment standard, minus your share. The rule lets the agency set it between 90% and 110% of the fair market rent: for 2 bedrooms here, between $1,037 and $1,267 a month. Your agency publishes its figure.

Does the fair market rent change by ZIP code in Berrien County?

For 2 bedrooms they run from $1,070 in 49107 to $1,450 in 49098. Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses.

How many low-income apartments are there in Berrien County?

HUD lists 45 properties with homes for low-income households in Berrien County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest. For tax-credit apartments and HUD-assisted buildings, you apply directly at the building's management office. They tell you whether units are open and how to apply; HUD does not have that information.

How many households spend too much on rent in Berrien County?

HUD counts rent as a burden when it reaches 30% of income or more. In Berrien County, 50% of renter households are in that position; in Michigan, 50%, and nationwide, 51% (Average 2020–2024, Census).